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Title: This is How Rent-to-Own Worked for Me!
Tags: "Bad credit" Home House Lease "Lease to own" "Poor credit" Rent
Blog Entry: I’m Just a Normal Person who was Struggling in this Economy just like Everyone Else… But with Rent-to-Own I was able to Move into My Dream House that I’ll someday be the Owner of! If you’re like me, you may be finding it hard to qualify for a home in this economy.  I was looking for a home to buy for a while before my bank told me I wouldn’t qualify… and that I was about 2 years late because if I had applied back then I probably would have met the requirements.   A lot has changed in that time, and home-ownership is even harder than ever for lots of people just like me!   But, I was able to find a way where I could still move into my dream home… even with less than perfect credit, not a lot of money to put down, and no bank qualifying!   Click Here to See It   My name is Justin Williams, I am from Rochester, New York and this economy has really been getting on my nerves!  Not only is it harder to get by, but bigger purchases (like cars, furniture, and of course real estate) seem almost impossible these days!   I have a decent job, in fact I’m a school-teacher, and if you know anyone in the business I’m sure they’d tell you it’s a lot of hard work and not nearly as much pay!  But it’s always paid enough and my dedication to my students prevents me from ever doing anything different.   Now, I don’t mean to complain but it seemed like somebody with relatively decent income and stability should be able to afford a modest house in a modest area…   Apparently the banks think otherwise.   They told me that my credit wasn’t good enough.  After going through a divorce and very nearly bankruptcy a year ago, I wasn’t really surprised.    But I thought to myself, just because I’ve been in financially hard times in the past, doesn’t mean I’m not responsible and ready to be a home-owner!   I just needed a little help…   And thankfully, I did end up finding that help but it wasn’t exactly an easy process.  After doing some research and talking to some people who knew what they are talking about, I realized that Rent-to-Own was probably my best option.  The big problem was that I didn’t even really know what it is…   I mean… I knew basically what it was but then eventually all the real estate people started speaking in another language that I couldn’t even understand.    Plus, they told me all the things I needed… I needed to consolidate my debt, improve my credit scores, and get publicly available grant monies to help me with my down payment.  The problem is, I didn’t know how to do ANY of those things!   All I wanted was somebody to hold my hand and show me how to do it.  Tell me how to do EVERYTHING!  Basically, I just wanted to know exactly what to do, I would do it.    The problem is, with my credit none of the real estate people would even give me the time of day! They told me that these things existed, but that’s it.  Just enough info to make me dangerous!   After trying to work with a few of those different “online” people I realized that they wouldn’t be much help either!!!   I needed help navigating through this process that was completely foreign to me.          Then, I Came Across a Solution that had Everything I Needed!   Not only did they help me to find a Rent-to-Own house that works for me and my budget, they helped me through the ENTIRE process and gave me all the tools, resources, and knowledge that I needed along the way!    Plus, they were able to connect me to an online community of other people who were going through exactly what I was.  By talking to other people who had been through the exact same thing I had, I got a lot more insight on the process.        Click Here to Try It   The first thing I learned was why everyone was telling me Rent-to-Own would be the best thing for me.  Basically, by being a renter and paying rent on time like I do anyways, I can be building up credits towards the purchase of the house!  When you combine that with the free money you can get from the government to purchase a house (I got $7,500) it makes it soooo much easier to qualify!   Plus, I was Able to Find the House I wanted to Buy and Move in TODAY even with less-than-perfect Credit!   Initially I was extremely skeptical.  Like I mentioned earlier I had talked to a lot of people and hadn’t gotten much help.  I could tell these guys were different right away though… by the way they talked about helping me with all the things I needed to do as much as they were talking about houses.  That’s what I wanted… the straight and honest, no BS answers about how I could actually become a homeowner.   It took me about 2 weeks to gather all the information they told me to gather.  I probably could have done it faster but was slowly moving through the program taking a “wait and see” approach.    I went through each step, and when I was done I knew exactly what I needed to do to improve my credit, apply for grants, and consolidate my debt.    When all was said and done, I got my Pre-Approval Certificate and was ready to start shopping for houses (which let me tell you, is by FAR the most fun part of the process).  They even connected me with a home-seller who specializes in Rent-to-Own in my area!    Armed with the tools and knowledge they gave me, I was MUCH more confident in myself and my abilities to become a home-owner.  Well, needless to say I found a home and have since moved in and so far am loving it!  I still have some things to work on, but now I have something that I didn’t before… a clear cut plan, a sense of direction, and the confidence in myself to make it work.   If I could do it, I’m sure you can too! Sincerely, Justin Williams  Click Here to Try It